The choices you make in your 20s and 30s can set the stage for a lifetime of wealth. Now is the time to make financial decisions that ensure security, and the good news is, you can start anytime. Check out these 10 actionable tips to set your finances on the right path.

To begin, make saving a top priority. Even small amounts add up, so aim to put aside at least 20% of your income into savings or investments.

The second step is to establish a budget and follow it consistently. Knowing where your money goes ensures you stay in control of your finances.

Be sure to save for emergencies—having three to six months’ worth of expenses set aside is a reliable target.

Investing early is another critical strategy. The magic of compound interest is most powerful over time, so don’t delay investing. financial advice

Keep learning about personal finance, avoid lifestyle inflation, and always live below your means. Adopting these tips will grow your wealth and solidify healthy financial practices for the long haul.